📋Letter of Last Instructions

Attorney: [Name, firm, phone, email]. Handles: [e.g., 'Will, trust, estate matters']. Financial Advisor: [Name, firm, phone, email]. Accountant/CPA: [Name, firm, phone]. Tax records location: [where stored]. Insurance Agent: [Name, phone]. Policies: [life, home, auto]. Bank Contact: [Name, branch, phone]. Employer HR: [Company, contact name, phone]. Benefits info: [e.g., 'life insurance through work, pension']. Landlord/Property Manager: [If applicable]. Doctor: [Name, practice, phone]. Faith leader: [Name, organization, phone]. Closest friend to lean on: [Name, phone] — [e.g., 'They know everything and can help coordinate.'].

Checking Account: [Bank, branch, account ending in XXXX]. Online access: [via password manager / written in safe]. Savings Account: [Bank, details]. Credit Cards: [List each: issuer, last 4 digits, approximate balance]. Mortgage/Rent: [Lender or landlord, monthly amount, account number area]. Autopay: [yes/no, from which account]. Car Payment: [Lender, monthly amount, remaining balance]. Student Loans: [Servicer, balance]. Retirement: [401k with [employer/institution], IRA with [institution]]. Beneficiaries: [names]. Investments: [Brokerage account details]. Safe Deposit Box: [Bank, branch, box number]. Keys: [where stored]. Who has access: [names]. Immediate cash needs: [e.g., 'There's $[amount] in the checking account for immediate expenses. The life insurance payout takes about [timeframe].'].

Life Insurance #1: [Company, policy number, face value]. Beneficiary: [name]. Agent: [name, phone]. Policy location: [where stored]. Life Insurance #2 (through work): [Company, coverage amount]. HR contact: [name, phone]. Health Insurance: [Provider, policy/group number, phone]. Homeowner's Insurance: [Company, policy number, agent name and phone]. Auto Insurance: [Company, policy number, vehicles covered]. Umbrella Policy: [Company, policy number, if applicable]. Long-term Care Insurance: [Details if applicable]. Disability Insurance: [Details if applicable]. How to file a claim: [e.g., 'Call the agent first — they'll walk you through everything. You'll need a certified copy of the [certificate] for each claim.'].

Password Manager: [App name]. Master password: [where to find it, e.g., 'sealed envelope in home safe']. This has ALL logins. Email (primary): [Provider, address] — Most accounts are tied to this. Email (secondary): [Provider, address] — Used for [purpose]. Subscriptions to cancel: [List with monthly cost: Netflix $[X], Spotify $[X], gym $[X], etc.]. Auto-payments to stop: [List any autopay from bank account]. Social media: [Platforms and wishes for each: memorialize, delete, etc.]. Cloud storage: [Google Drive / Dropbox / iCloud — important files location]. Phone passcode: [Where to find it]. Computer password: [Where to find it]. Digital executor: [Name, phone] — [e.g., 'I've given [name] permission to manage all digital accounts.'].

Home safe: [Location in house, combination where stored]. Contains: [list items, e.g., 'Will, insurance policies, passports, birth certificates, property deed']. Safe deposit box: [Bank, branch, box number]. Keys: [location]. Contains: [list items]. Filing cabinet: [Location]. Organized by: [system, e.g., 'tabs for insurance, taxes, medical, legal']. Attorney's office: [What they hold, e.g., 'Original will, trust documents']. Digital copies: [Where, e.g., 'Scanned copies of all documents in Google Drive folder called "Important Documents"']. Tax returns: [Location for last 3-7 years]. Property deed: [Location]. Vehicle titles: [Location]. Marriage certificate: [Location]. Military records: [Location, if applicable]. Note: [e.g., 'The blue binder on the top shelf of my office closet has everything organized. Start there.'].